Motor Trades Association of Queensland Response to Productivity Commission Draft Report Smash Repair and Insurance

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Motor Trades Association of Queensland Response to Productivity Commission Draft Report Smash Repair and Insurance"

Transcription

1 Motor Trades Association of Queensland Response to Productivity Commission Draft Report Smash Repair and Insurance Submitted by: The Motor Trades Association of Queensland Date: January 2005

2 In response to the Australian Government Productivity Commission s Draft Report into the Smash Repair and Insurance industries, the Motor Trades Association of Queensland wishes to provide further input to the findings of the Productivity Commission. Preliminary findings of the Commission Industry Rationalisation Ongoing rationalisation in the smash repair industry can be expected. This reflects actions by insurers to reduce costs as a means of enhancing returns to their shareholders and reducing premiums for consumers, as well as a range of external factors, including: a possible decline in the number of motor vehicle accidents; increased capital requirements due to changes in vehicle technology; more stringent occupational health and safety, and environmental requirements; and difficulties in attracting skilled labour. The external factors referred to by the commission should be the only reasons for rationalisation of the smash repair industry (MTA-Q supports natural rationalisation of the industry). Insurers reducing average repair costs as a means of enhancing returns to shareholders is not justification for driving smash repairers out of business. Insurers have the right to mitigate their loss by monitoring average repair costs. However, attempts by insurers to continually decrease average repair costs whilst the cost of the labour and materials required to repair accident damaged vehicles has risen so dramatically is inequitable to repairers. If, as insurers claim, these actions are required to reduce insurance premiums for consumers, why then has there been no reductions in insurance premiums in recent years? In fact the inverse has been the case with premiums steadily rising. Preferred smash repairer arrangements The disadvantages of nationally agreed preferred smash repairer (PSR) criteria are likely to significantly outweigh any advantages. Despite the support of MTA-Q, VACC and IAG for nationally agreed criteria for PSR status, the Commission is of the opinion that the disadvantages outweigh any advantages. MTA-Q disagrees with this finding and believes that there should be a minimum standard in place for repairers wishing to become PSR s the least of which should be a requirement to adhere to state legislation in relation to operating a business of that nature. MTA-Q does not intend that all insurers should have the same criteria, simply stipulate their own criteria and make such criteria available to repairers that wish to become part of that insurers PSR network. Provided probity and prudential requirements are met; PSR status should not be automatically terminated on sale or transfer of a repair business. Allowing a short

3 trial period with the new owner would enhance repairer certainty without undue risk to the insurer. Selection or non-selection for PSR status and removal or modification of such status can have a significant effect on a repairer s business. Greater transparency from insurers in such aspects as PSR selection criteria and notification of opportunity to apply for PSR status would reduce uncertainty and improve relationships between the two industries. The MTA-Q supports the Commission s stance on selection and removal of PSR status from smash repairers, however, feels that a short trial period in relation to PSR status upon change of owner of a business needs to be quantified. MTA-Q supports the MTAA s belief that a short trial period should be no less than six (6) months. When consumers take out a new policy, or make a claim, the provisions about the use of parts should be clearly and objectively explained. If an insurer specifies the repair method and/or the parts to be used; it should accept responsibility for the quality and safety consequences of those choices. The repairer should continue to accept responsibility for the quality of its workmanship in response to the insurer s specifications. The MTA-Q strongly supports the Commission s stance in relation to the use of parts and direction of repair methods by insurers. There is no clear evidence of a systemic safety issue related to PSR arrangements. While quality is harder to assess, insurers and repairers face strong incentives to ensure that repair quality and safety appropriately meet the needs of their customers. In the absence of post repair vehicle crash testing or engineers certification of repairs performed it is impossible to determine the extent of inferior quality repairs that are carried out. MTA-Q concedes that the majority of Queensland repairers perform high quality repairs in accordance with manufacturers specifications. Although the Commission has not examined national licensing issues in detail such as the possible national licensing of repairers and assessors it is far from clear that such requirements would bring net advantages to the community. For more than a decade the MTA-Q has been lobbying the Queensland State Government for the introduction of a licensing scheme for the vehicle repair sector. Net advantages to the community would include: Assurance that the person carrying out the repairs is qualified Assurance that the assessor directing repair methods is also qualified Assurance that the repairer has the equipment necessary to perform the repairs

4 Assurance that the repairer is complying with relevant local, state and federal laws in relation to environmental, WH&S (OH&S) and fair trading legislation Avenues for recourse should the consumer be unsatisfied with the service / repairs performed by the repairer MTA-Q firmly believes the advantages to the wider community would outweigh any disadvantages of a licensing scheme for repairers and assessors. With support from many organisations that made submissions to the Productivity Commission Inquiry (IAG, MTA-Q, VACC, Victorian Government etc.), the Association is perplexed that the Commission can dismiss such a scheme as unbeneficial to the community. The Commission identified that such a scheme could provide a barrier for entry into the industry but has ignored the obvious consumer benefits that would flow from a licensed regime. These benefits would include the consumer confidence of dealing with repairers who abide by a set of identified standards, knowledge that the repairer possesses the equipment necessary to perform such necessary repairs, knowledge that the tradespersons working on damaged vehicles have the necessary technical skills and confident the integrity of any manufacturers warranty is not compromised. A licensing scheme prevents unprofessional operators (or backyarders ) from carrying out a business or undertaking in a field in which they have limited knowledge. It would not be a barrier to legitimate operators, as any number of provisional entry approvals could be granted, under which close scrutiny could be kept on work quality and performance. The scheme would set and maintain a set of minimum standards which any reputable and competent tradesperson would support and strive to exceed. Financial and commercial relationships Viewed in isolation, the hourly rates currently paid by insurers for repair work do not reflect repairers costs. However, they need to be examined in conjunction with the broader basis of quotation and payment of which they represent only part. The funny time, funny money system of quotation has severe drawbacks compared with an efficient and transparent system of pricing and costing and should be abandoned. If times and hourly rates are used in any of the cost elements specified in quotes, they should reflect realistic times and rates applicable to the particular job and particular repairer. If a PSR agreement specifies an hourly rate, that too should be an agreed shop rate applicable to the repairer involved, rather than a fictitious industry standard rate. Materials should be separately costed and not included in hourly rates. The MTA-Q strongly agrees with the Commission s view that the current funny time, funny money method of quotation should be abandoned. MTA-Q has also been advocating the removal of materials from the labour rate. The

5 Commission s support of this point vindicates the stance taken by the Association and enables MTA-Q, with the assistance of its members to rigorously pursue the abolition of funny time, funny money and the removal of materials from the labour rate with insurers. The Association also believes that the material content (once removed from the labour rate) should be linked to CPI to ensure that further price rises to materials are passed on and not absorbed by repairers as they have been for the last decade. Where used, competitive quoting processes should be procedurally fair and transparent. Taking the broader consumer and community interest into account, little further prescriptive action to address cost pressures on repairers is justified. In particular, there is no justification for regulating for an industry standard hourly rate or for imposing industry standard hours. The MTA-Q is satisfied with the Commission s stance on the regulation of an hourly rate and standard repair times. However, in relation to competitive quoting, the quotes received by insurers should be compared on a like for like basis. Once the tendering process has been completed insurers should not be allowed to further adjust the winning quote. To do so is allowing insurers to mitigate their loss twice, once by tendering the job and secondly by then adjusting the winning quote to a lesser amount again. Insurers should not be allowed to have it both ways, either use a fair and transparent competitive quoting system without adjusting the winning quote or use a one quote system and assess (or adjust) that quote. The nature of any guarantee of repair quality offered to consumers, and the shares of the resultant costs, are matters for commercial negotiation between individual insurers and repairers. But a repairer should only be required to guarantee the work it actually performs and then only for an agreed reasonable time. Further, it should not be required to guarantee parts for a period longer than the part manufacturer s own warranty. The MTA-Q strongly agrees with warranty terms suggested by the Productivity Commission, in particular that a repairer s guarantee should not have to exceed that of the part manufacturer s warranty. There is little evidence to suggest that the current arrangements in relation to timeframes for quoting are creating problems in the commercial interactions between repairers and insurers. The Association is satisfied with the current timeframes allowed for quotation of work by insurers. There is no justification to impose regulated minimum terms of payment on insurers. These should continue to be matters for negotiation between insurers and repairers (as they are between firms and suppliers in most industries).

6 The MTA-Q is in agreement with the Commissions view on regulated payment terms; however a late payment fee or interest on the overdue amount should be able to be charged by repairers for insurers that are tardy with account payment. Choice for consumers Consumers wanting choice of repairer can choose to insure with one of the several insurers offering that choice. On this basis, consumers have restricted, but reasonable, choice of repairer. Consumer choice of repairer should not be mandated. The MTA-Q understands the stance taken by the Commission in relation to freedom of choice of repairer and accepts that the insurance market in Queensland that is dominated by Suncorp and RACQ Insurance does allow for choice of repairer. However this is markedly different to the case in southern states that is dominated by insurers that do not allow for such choice. Rather than speculate on the situation in Victoria, New South Wales, South Australia, the ACT and Western Australia, MTA-Q will support the stance taken by the Associations, Chambers and the parent organisation MTAA, for these states and territories. Insurers should enhance their operating procedures to ensure that available options for choice of repairer are clearly and objectively explained to consumers when taking out policies and making claims. Insurers should not attempt to dissuade consumers exercising their available choice options by making inaccurate or unjustified comments about the quality or timeliness of repair of non-preferred repairers. The Association strongly agrees that consumers should be made aware of choice implications of their respective policy. In the absence of antisteering legislation or mandated consumer choice, this is the next best alternative, provided this is addressed in an industry code of conduct. A form of redress should be offered to repairers who discover that an insurer has attempted to steer a consumer away from their business to a PSR. Dispute resolution and codes of conduct The existing internal consumer dispute resolution systems of the individual insurers appear to be working adequately. Further, while the Commission has not assessed the IEC s administrative arrangements, there is no evidence that the IEC s systems are not broadly appropriate, nor that the IEC is not sufficiently independent. There is no evidence of any significant deficiencies in the procedures for resolving disputes that arise directly between consumers and repairers. The nature of the many serious issues of dispute between insurers and repairers varies: some concern efficiency, some transparency and some fair trading. Many are either industry-wide in nature or concern matters that individual insurers have been

7 reluctant to address in corporate codes of conduct. They may only be capable of cost effective resolution through an industry-wide code. The advantages of an industry-wide code are likely to outweigh the disadvantages provided that it were to: focus on specifying minimum standards in matters of process, transparency and dispute resolution; not interfere in insurer-consumer or consumer-repairer relationships; not cover matters that normally are commercially negotiated between individual insurers and repairers; and not prevent individual insurers developing their own codes consistent with, or building on, the industry-wide code. Dispute resolution procedures under an industry-wide code should avoid undue interference in the commercial relationship between insurers and repairers and, in particular, avoid provisions that could have anticompetitive consequences. Provided that the scope and content of a code follow principles outlined above, the benefits for the community as a whole are likely to outweigh the costs. If insurers and repairers cannot voluntarily agree on an industry-wide code within a specified reasonable time, the Commission s preliminary view is that a code should be mandated under the provisions of the Trade Practices Act. The MTA-Q is satisfied with the Commissions recommendation for an industry code of conduct, however is sceptical that all parties will agree to a voluntary code. Therefore the Association is pleased that the Commission has recommended a code be mandated under provisions of the TPA should a voluntary code fail to be agreed upon by all parties within a specified reasonable time. MTA-Q supports the timeframes that MTAA has specified within their response to the Productivity Commission.

Motor Vehicle Insurance. and. Repair Industry. Code of Conduct

Motor Vehicle Insurance. and. Repair Industry. Code of Conduct . Motor Vehicle Insurance and Repair Industry Code of Conduct MOTOR VEHICLE INSURANCE AND REPAIR INDUSTRY CODE OF CONDUCT 1 TABLE OF CONTENTS PREAMBLE... 3 1. PRINCIPLES OF THE CODE... 4 2. SCOPE... 6

More information

ADDITIONAL INFORMATION FOLLOWING PUBLIC HEARINGS

ADDITIONAL INFORMATION FOLLOWING PUBLIC HEARINGS 14 February 2005 Insurance Australia Group Limited ABN 60 090 739 923 388 George Street Sydney NSW 2000 Telephone 02 9292 9222 iaglimited.com.au Smash Repair and Insurance Inquiry Productivity Commission

More information

Motor Vehicle Insurance. and. Repair Industry. Code of Conduct

Motor Vehicle Insurance. and. Repair Industry. Code of Conduct . Motor Vehicle Insurance and Repair Industry Code of Conduct Revised March 2011 MOTOR VEHICLE INSURANCE AND REPAIR INDUSTRY CODE OF CONDUCT 1 TABLE OF CONTENTS PREAMBLE... 3 1. PRINCIPLES OF THE CODE...

More information

MOTOR TRADERS ASSOCIATION OF NSW SUPPLIMENTRY SUBMISSION TO THE PRODUCTIVITY COMMISSION

MOTOR TRADERS ASSOCIATION OF NSW SUPPLIMENTRY SUBMISSION TO THE PRODUCTIVITY COMMISSION MOTOR TRADERS ASSOCIATION OF NSW SUPPLIMENTRY SUBMISSION TO THE PRODUCTIVITY COMMISSION Inquiry into the relationship between the Australian Motor Vehicle Smash Repair Industry And the Australian Motor

More information

SUBMISSION ON AUSTRALIAN SMALL BUSINESS AND FAMILY ENTERPRISE OMBUDSMAN BILL 2015

SUBMISSION ON AUSTRALIAN SMALL BUSINESS AND FAMILY ENTERPRISE OMBUDSMAN BILL 2015 7 April 2015 Manager Small Business Ombudsman and Programmes Unit Small Business, Competition and Consumer Policy Division The Treasury Langton Crescent Parkes ACT 2600 Email: small.business@treasury.gov.au

More information

STATEMENT OF BUSINESS ETHICS

STATEMENT OF BUSINESS ETHICS STATEMENT OF BUSINESS ETHICS Contents Foreword 3 About us 4 Our Code of Conduct 4 Our values 5 Guiding principles 6 Safety 6 Value for money 6 Open, fair and honest 6 Essential Energy procurement process

More information

LOCAL GOVERNMENT AND NATIONAL COMPETITION POLICY

LOCAL GOVERNMENT AND NATIONAL COMPETITION POLICY Further information regarding National Competition Policy and local government is available in the following reports: Impact of Competition Policy Reforms on Rural and Regional Australia http://www.pc.gov.au/inquiry/compol/finalreport/index.html

More information

AMA NSW AND ASMOF NSW Submission on Health Practitioners Regulation National Law

AMA NSW AND ASMOF NSW Submission on Health Practitioners Regulation National Law AMA NSW AND ASMOF NSW Submission on Health Practitioners Regulation National Law This submission is filed jointly on behalf of AMA NSW and ASMOF NSW. We note the submission of the Australian Medical Association

More information

Advisory Note - October 2005. Disclosure and management of conflict of interest for advisers

Advisory Note - October 2005. Disclosure and management of conflict of interest for advisers Advisory Note - October 2005 Disclosure and management of conflict of interest for advisers The Secretary Department of Treasury and Finance 1 Treasury Place, Melbourne Victoria 3002 Australia Telephone:

More information

Part E: Contract management

Part E: Contract management Overview Part A: Strategic assessment Part B1: Business case developing the business case Part B2: Business case procurement options Part B3: Business case funding and financing options Part C: Project

More information

005ASubmission to the Serious Data Breach Notification Consultation

005ASubmission to the Serious Data Breach Notification Consultation 005ASubmission to the Serious Data Breach Notification Consultation (Consultation closes 4 March 2016 please send electronic submissions to privacy.consultation@ag.gov.au) Your details Name/organisation

More information

COMMONWEALTH GOVERNMENT RESPONSE TO THE PRODUCTIVITY COMMISSION INQUIRY: THE MARKET FOR RETAIL TENANCY LEASES IN AUSTRALIA

COMMONWEALTH GOVERNMENT RESPONSE TO THE PRODUCTIVITY COMMISSION INQUIRY: THE MARKET FOR RETAIL TENANCY LEASES IN AUSTRALIA COMMONWEALTH GOVERNMENT RESPONSE TO THE PRODUCTIVITY COMMISSION INQUIRY: THE MARKET FOR RETAIL TENANCY LEASES IN AUSTRALIA August 2008 SUMMARY 1. The former Treasurer asked the Productivity Commission

More information

What we need from Ombudsman today views from the outside Thursday 5 May, 11.15am 12.30pm Laneway rooms, Intercontinental, The Rialto Thank you for

What we need from Ombudsman today views from the outside Thursday 5 May, 11.15am 12.30pm Laneway rooms, Intercontinental, The Rialto Thank you for What we need from Ombudsman today views from the outside Thursday 5 May, 11.15am 12.30pm Laneway rooms, Intercontinental, The Rialto Thank you for the invitation to speak today. I d like to acknowledge

More information

STATEMENT OF BUSINESS ETHICS

STATEMENT OF BUSINESS ETHICS STATEMENT OF BUSINESS ETHICS 2013 CONTENTS Foreword 01 About us 02 Endeavour Energy 02 Networks NSW 02 Our Code of Conduct 03 Our values 03 Guiding principles 04 Safety 04 Value for money 04 Open, fair

More information

1 Health Purchasing Policy 4. Contract Management and Asset Disposal

1 Health Purchasing Policy 4. Contract Management and Asset Disposal Health Purchasing Policy 4. Contract Management and Asset Disposal Ensuring value for money outcomes are realised with effective and efficient contract management 26 June 2014 1 Health Purchasing Policy

More information

APHA Response to the Draft Report (Sept 2014) The Competition Policy Review - 2014. Australian Private Hospitals Association ABN 82 008 623 809

APHA Response to the Draft Report (Sept 2014) The Competition Policy Review - 2014. Australian Private Hospitals Association ABN 82 008 623 809 APHA Response to the Draft Report (Sept 2014) The Competition Policy Review - 2014 Australian Private Hospitals Association ABN 82 008 623 809 Executive Summary The Australian Private Hospitals Association

More information

Optus Submission to Productivity Commission Inquiry into National Frameworks for Workers Compensation and Occupational Health and Safety

Optus Submission to Productivity Commission Inquiry into National Frameworks for Workers Compensation and Occupational Health and Safety Optus Submission to Productivity Commission Inquiry into National Frameworks for Workers Compensation and Occupational Health and Safety June 2003 Overview Optus welcomes the opportunity to provide this

More information

Response from the Department of Treasury, Western Australia, to the Productivity Commission s Draft Report Regulatory Impact Analysis: Benchmarking

Response from the Department of Treasury, Western Australia, to the Productivity Commission s Draft Report Regulatory Impact Analysis: Benchmarking Response from the Department of Treasury, Western Australia, to the Productivity Commission s Draft Report Regulatory Impact Analysis: Benchmarking Context Regulatory Impact Assessment (RIA) began in Western

More information

INQUIRY ON THE PUBLIC SERVICE OMBUDSMAN FOR WALES Dr Richard Kirkham, School of Law, University of Sheffield 20 March 2015 Some introductory comments

INQUIRY ON THE PUBLIC SERVICE OMBUDSMAN FOR WALES Dr Richard Kirkham, School of Law, University of Sheffield 20 March 2015 Some introductory comments INQUIRY ON THE PUBLIC SERVICE OMBUDSMAN FOR WALES Dr Richard Kirkham, School of Law, University of Sheffield 20 March 2015 Some introductory comments 1. As well as writing extensively on the Ombudsman,

More information

ISSUES PAPER LEGAL REPRESENTATION AND JURISDICTIONAL LIMIT IN SMALL CLAIMS

ISSUES PAPER LEGAL REPRESENTATION AND JURISDICTIONAL LIMIT IN SMALL CLAIMS DEPARTMENT OF THE ATTORNEY-GENERAL AND JUSTICE ISSUES PAPER LEGAL REPRESENTATION AND JURISDICTIONAL LIMIT IN SMALL CLAIMS June 2013 Legal Policy Division Department of the Attorney-General and Justice

More information

Response to Submissions

Response to Submissions Response to Submissions National Claims and Policies Database Access to data 28 May 2010 www.apra.gov.au Australian Prudential Regulation Authority Disclaimer and copyright While APRA endeavours to ensure

More information

This chapter notes, where appropriate, further legislative reforms by the Commonwealth and each State or Territory jurisdiction.

This chapter notes, where appropriate, further legislative reforms by the Commonwealth and each State or Territory jurisdiction. FURTHER REFORMS Since 2002, jurisdictions across Australia have taken account of their individual circumstances and made alterations to their legislative regimes additional to the comprehensive programme

More information

Position of the retail and wholesale sector on the Draft Data Protection Regulation in view of the trilogue 2015

Position of the retail and wholesale sector on the Draft Data Protection Regulation in view of the trilogue 2015 2 September 2015 Position of the retail and wholesale sector on the Draft Data Protection Regulation in view of the trilogue 2015 We support the efforts of EU legislators to create a harmonised data protection

More information

MOTOR TRADE ASSOCIATION. Submission to. Commerce Commission. Statement of Preliminary Issues

MOTOR TRADE ASSOCIATION. Submission to. Commerce Commission. Statement of Preliminary Issues MOTOR TRADE ASSOCIATION Submission to Commerce Commission On Statement of Preliminary Issues IAG (NZ) Holdings Limited / Lumley General Insurance (NZ) Limited Motor Trade Association Inc P O Box 9244 Marion

More information

NATIONAL PARTNERSHIP AGREEMENT ON ENERGY EFFICIENCY

NATIONAL PARTNERSHIP AGREEMENT ON ENERGY EFFICIENCY NATIONAL PARTNERSHIP AGREEMENT ON ENERGY EFFICIENCY Council of Australian Governments An agreement between the Commonwealth of Australia and the States and Territories, being: The State of New South Wales

More information

IPART NSW 2014 Review of Maximum Towing Fees (light & heavy vehicles) Victorian Automobile Chamber of Commerce (VACC) submission

IPART NSW 2014 Review of Maximum Towing Fees (light & heavy vehicles) Victorian Automobile Chamber of Commerce (VACC) submission IPART NSW 2014 Review of Maximum Towing Fees (light & heavy vehicles) Victorian Automobile Chamber of Commerce (VACC) submission July 2014 1 Contents VACC... 3 Executive Summary... 3 Limitations of the

More information

Avant Mutual Group Limited. Submissions to the Victorian Competition and Efficiency Commission Inquiry into Aspects of the Wrongs Act 1958

Avant Mutual Group Limited. Submissions to the Victorian Competition and Efficiency Commission Inquiry into Aspects of the Wrongs Act 1958 Avant Mutual Group Limited Submissions to the Victorian Competition and Efficiency Commission Inquiry into Aspects of the Wrongs Act 1958 1. Introduction Avant Mutual Group Limited ( Avant ) is Australia

More information

Regulation and the direct marketing industry

Regulation and the direct marketing industry OFFICE OF REGULATION REVIEW Regulation and the direct marketing industry A submission to the Working Group on Direct Marketing SUBMISSION MAY 1995 The Office of Regulation Review The Office of Regulation

More information

Position Description

Position Description Position Description POSITION TITLE Procurement Advisor POSITION NO 500268 DIRECTORATE DEPARTMENT Corporate Services Finance UNIT REPORTS TO Manager Finance CLASSIFICATION Band 7 LOCATION Civic Centre,

More information

Client Skills: Skills required by Government as the Construction Industry Client

Client Skills: Skills required by Government as the Construction Industry Client Client Skills: Skills required by Government as the Construction Industry Client APCC MEMBER AUTHORITIES AS AT JULY 2002 Department of Public Works and Services New South Wales Building Commission Victoria

More information

Feedback on the Inquiry into Serious Injury. Presented to the Road Safety Committee of the Parliament of Victoria. 08 May 2013

Feedback on the Inquiry into Serious Injury. Presented to the Road Safety Committee of the Parliament of Victoria. 08 May 2013 Feedback on the Inquiry into Serious Injury Presented to the Road Safety Committee of the Parliament of Victoria 08 May 2013 About the APA The Australian Physiotherapy Association (APA) is the peak body

More information

CGU Insurance Limited ABN 27 004 478 371 (an IAG Company) Submission to VICTORIAN COMPETITION AND EFFICENCY COMMISSION

CGU Insurance Limited ABN 27 004 478 371 (an IAG Company) Submission to VICTORIAN COMPETITION AND EFFICENCY COMMISSION CGU Insurance Limited ABN 27 004 478 371 (an IAG Company) Submission to VICTORIAN COMPETITION AND EFFICENCY COMMISSION INQUIRY INTO REGULATIONS OF THE HOUSING CONSTRUCTION SECTOR AND RELATED ISSUES Submitted:

More information

Submission by the Australian Newsagents Federation (ANF)

Submission by the Australian Newsagents Federation (ANF) Submission by the Australian Newsagents Federation (ANF) Resolution of Small Business Disputes Options Paper May 2011 30 th of June 2011 ANF Submission on Resolution of Small Business Disputes Options

More information

Submission to the Australian Competition and Consumer Commission On Australia Post s Draft Price Notification Issues Paper February 2011

Submission to the Australian Competition and Consumer Commission On Australia Post s Draft Price Notification Issues Paper February 2011 Submission to the Australian Competition and Consumer Commission On Australia Post s Draft Price Notification Issues Paper February 2011 1 1. Executive Summary The Australian Direct Marketing Association

More information

Accident Towing Regulation Draft Report

Accident Towing Regulation Draft Report Essential Services Commission Level 37 2 Lonsdale St Melbourne VIC 3000 Email: towtruckreview@esc.vic.gov.au 2 November 2015 Dear Sir/Madam Accident Towing Regulation Draft Report The Insurance Council

More information

GENERAL INSURANCE CODE OF PRACTICE 2014

GENERAL INSURANCE CODE OF PRACTICE 2014 GENERAL INSURANCE CODE OF PRACTICE 2014 1 INTRODUCTION 1.1 We have entered into this voluntary Code with the Insurance Council of Australia (ICA). This Code commits us to uphold minimum standards when

More information

Managing construction procurement risks

Managing construction procurement risks CONSTRUCTION PROCUREMENT BEST PRACTICE GUIDELINE #A5 Construction Industry Development Board Pretoria - Head Office Tel: 012 482 7200 Fraudline: 0800 11 24 32 Call Centre: 0860 103 353 E-mail: cidb@cidb.org.za

More information

Procurement of Goods, Services and Works Policy

Procurement of Goods, Services and Works Policy Procurement of Goods, Services and Works Policy Policy CP083 Prepared Reviewed Approved Date Council Minute No. Procurement Unit SMT Council April 2016 2016/0074 Trim File: 18/02/01 To be reviewed: March

More information

Approximately 76 per cent of the bets taken by Sportsbet are on racing, with the remaining 24 per cent being on sporting or other events.

Approximately 76 per cent of the bets taken by Sportsbet are on racing, with the remaining 24 per cent being on sporting or other events. Introduction Sportsbet Pty Ltd (hereafter, Sportsbet, we and our ) welcomes the opportunity to make a submission to the Victorian Competition and Efficiency Commission (VCEC) as part of the Commission

More information

NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) SUBMISSION TO THE ECONOMIC REGULATION AUTHORITY

NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) SUBMISSION TO THE ECONOMIC REGULATION AUTHORITY NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) SUBMISSION TO THE ECONOMIC REGULATION AUTHORITY INQUIRY INTO WESTERN AUSTRALIA S HOME INDEMNITY INSURANCE ARRANGEMENTS ABOUT NIBA 16 August 2012

More information

Review of PIRSA s Cost Recovery Policy and practices, including their application to the Fisheries and Aquaculture Industries Primary Industries and

Review of PIRSA s Cost Recovery Policy and practices, including their application to the Fisheries and Aquaculture Industries Primary Industries and Review of PIRSA s Cost Recovery Policy and practices, including their application to the Fisheries and Aquaculture Industries Primary Industries and Regions SA 29 July 2015 Contents Executive Summary...

More information

Strengthening the regulatory regime and fee structure for insolvency practitioners

Strengthening the regulatory regime and fee structure for insolvency practitioners Strengthening the regulatory regime and fee structure for insolvency practitioners The Law Society response March 2014 2013 The Law Society. All rights reserved. The Law Society welcomes the opportunity

More information

UNSOLICITED PROPOSALS

UNSOLICITED PROPOSALS UNSOLICITED PROPOSALS GUIDE FOR SUBMISSION AND ASSESSMENT January 2012 CONTENTS 1 PREMIER S STATEMENT 3 2 INTRODUCTION 3 3 GUIDING PRINCIPLES 5 3.1 OPTIMISE OUTCOMES 5 3.2 ASSESSMENT CRITERIA 5 3.3 PROBITY

More information

Information Sharing Protocol between the Commonwealth and Child Protection Agencies

Information Sharing Protocol between the Commonwealth and Child Protection Agencies Information Sharing Protocol between the Commonwealth and Child Protection Agencies i TABLE OF CONTENTS PREAMBLE -----------------------------------------------------------------------------------------------1

More information

Home Warranty Insurance Briefing Note

Home Warranty Insurance Briefing Note Home Warranty Insurance Briefing Note November 2015 Contents Introduction What is Home Warranty Insurance? Inequities of the Current System - Financial and the long tail liability - Risk management of

More information

Brendan Wood Business Solutions GAMING MACHINES ARRANGEMENT REVIEW

Brendan Wood Business Solutions GAMING MACHINES ARRANGEMENT REVIEW GAMING MACHINES ARRANGEMENT REVIEW Do you think the venue operator model is meeting the three objectives listed and why? How do you think the venue operator model could better achieve its operations? Financial

More information

BACKGROUND COMMENTS. The Interim Report quotes from our initial submission:

BACKGROUND COMMENTS. The Interim Report quotes from our initial submission: BACKGROUND This submission is made further to the NSW Minerals Council s initial submission of September 2003 and our appearance before the 4 December 2003 public hearing in Sydney. Our comments remain

More information

Submission in response to the Life Insurance and Advice Working Group Interim Report on Retail Life Insurance

Submission in response to the Life Insurance and Advice Working Group Interim Report on Retail Life Insurance 30 January 2015 Mr John Trowbridge Chairman Life Insurance and Advice Working Group Email: submissions@trowbridge.com.au Dear Mr Trowbridge, Submission in response to the Life Insurance and Advice Working

More information

EXTENDING UNFAIR CONTRACT TERM PROTECTIONS TO SMALL BUSINESS EXPOSURE DRAFT LEGISLATION

EXTENDING UNFAIR CONTRACT TERM PROTECTIONS TO SMALL BUSINESS EXPOSURE DRAFT LEGISLATION Ms Shakira Jones Consumer Policy Framework Unit Small Business Competition and Consumer Policy Division The Treasury Langton Crescent PARKES ACT 2600 Email: AustralianConsumerLaw@treasury.gov.au 14 May

More information

4 April 2008. Also via email: transport.prices-oversight@accc.gov.au. Dear Ms Arblaster

4 April 2008. Also via email: transport.prices-oversight@accc.gov.au. Dear Ms Arblaster 4 April 2008 Ms Margaret Arblaster General Manager Transport and Prices Oversight Australian Competition and Consumer Commission (ACCC) GPO Box 520 MELBOURNE VIC 3001 Also via email: transport.prices-oversight@accc.gov.au

More information

Submission to the Inquiry into the Motor Vehicle Repair Industry Insurance Law Service (a project of the Consumer Credit Legal Centre (NSW) Inc)

Submission to the Inquiry into the Motor Vehicle Repair Industry Insurance Law Service (a project of the Consumer Credit Legal Centre (NSW) Inc) February 2014 Submission to the Inquiry into the Motor Vehicle Repair Industry Insurance Law Service (a project of the Consumer Credit Legal Centre (NSW) Inc) The Chair, Select Committee on the Motor Vehicle

More information

Australian Institute of Building Submission to the Review of the New South Wales Home Building Act 1989

Australian Institute of Building Submission to the Review of the New South Wales Home Building Act 1989 Australian Institute of Building Submission to the Review of the New South Wales Home Building Act 1989 Introduction The Australian Institute of Building (AIB) welcomes the opportunity to respond to the

More information

Compliance Review Report Internal Audit and Risk Management Policy for the New South Wales Public Sector

Compliance Review Report Internal Audit and Risk Management Policy for the New South Wales Public Sector Compliance Review Report Internal Audit and Risk Management Policy for the New South Wales Public Sector Background The Treasury issued TPP 09-05 Internal Audit and Risk Management Policy for the New South

More information

Insurance Insights. When markets hit motorists. How international financial markets impact Compulsory Third Party insurance

Insurance Insights. When markets hit motorists. How international financial markets impact Compulsory Third Party insurance Insurance Insights When markets hit motorists How international financial markets impact Compulsory Third Party insurance August 2012 Chris McHugh Executive General Manager Statutory Portfolio Commercial

More information

2 March 2015. Mutual Recognition Schemes Study Productivity Commission Locked Bag 2 Collins Street East MELBOURNE VIC 8003

2 March 2015. Mutual Recognition Schemes Study Productivity Commission Locked Bag 2 Collins Street East MELBOURNE VIC 8003 2 March 2015 Mutual Recognition Schemes Study Productivity Commission Locked Bag 2 Collins Street East MELBOURNE VIC 8003 Sent via email to: mutual.recognition@pc.gov.au Dear Commissioner, Master Electricians

More information

Home Building Protection Review Consultation Responses

Home Building Protection Review Consultation Responses Home Building Protection Review Consultation Responses November 2014 Contents 1 Introduction 1 2 Response overview 2 3 The insurance model 3 First resort model 4 Mandatory last resort fidelity fund 4 Voluntary

More information

PERSONAL INJURIES PROCEEDINGS BILL 2002

PERSONAL INJURIES PROCEEDINGS BILL 2002 1 PERSONAL INJURIES PROCEEDINGS BILL 2002 EXPLANATORY NOTES General Outline Purpose of legislation The main purpose of this Act is to facilitate the ongoing affordability of insurance through appropriate

More information

Grant Programme Guidelines Community Development Grants Programme

Grant Programme Guidelines Community Development Grants Programme Grant Programme Guidelines Community Development Grants Programme Community Development Grants Programme Guidelines Contents Process Flowchart... 3 1. Introduction... 4 1.1. Programme Background... 4 1.2.

More information

THE CASE FOR COMPULSORY THIRD PARTY INSURANCE REFORM IN THE AUSTRALIAN CAPITAL TERRITORY

THE CASE FOR COMPULSORY THIRD PARTY INSURANCE REFORM IN THE AUSTRALIAN CAPITAL TERRITORY 240 CANBERRA LAW REVIEW [(2011) THE CASE FOR COMPULSORY THIRD PARTY INSURANCE REFORM IN THE AUSTRALIAN CAPITAL TERRITORY JON STANHOPE Sixty years ago, on 14 November 1947, Herbert Victor Johnson, Minister

More information

NATIONAL PARTNERSHIP AGREEMENT ON TAFE FEE WAIVERS FOR CHILDCARE QUALIFICATIONS

NATIONAL PARTNERSHIP AGREEMENT ON TAFE FEE WAIVERS FOR CHILDCARE QUALIFICATIONS NATIONAL PARTNERSHIP AGREEMENT ON TAFE FEE WAIVERS FOR CHILDCARE QUALIFICATIONS Council of Australian Governments An agreement between the Commonwealth of Australia and the States and Territories, being:

More information

Policy Statement on. Associations. Eligibility to apply for a Scheme under Professional Standards Legislation May 2014

Policy Statement on. Associations. Eligibility to apply for a Scheme under Professional Standards Legislation May 2014 Policy Statement on on Code Business of Conduct Entity Associations Eligibility to apply for a Scheme under Professional Standards Legislation May 2014 Table of Contents Professional Standards Council

More information

LEGISLATIVE ASSEMBLY FOR THE AUSTRALIAN CAPITAL TERRITORY

LEGISLATIVE ASSEMBLY FOR THE AUSTRALIAN CAPITAL TERRITORY LEGISLATIVE ASSEMBLY FOR THE AUSTRALIAN CAPITAL TERRITORY REVIEW OF AUDITOR-GENERAL S REPORT NO 9, 1997 Fleet Leasing Arrangements STANDING COMMITTEE FOR THE CHIEF MINISTER S PORTFOLIO (INCORPORATING THE

More information

Submission to the Department of Environment Regulation s Draft Guidance Statement on Regulatory Principles December 2014

Submission to the Department of Environment Regulation s Draft Guidance Statement on Regulatory Principles December 2014 Submission to the Department of Environment Regulation s Draft Guidance Statement on Regulatory Principles December 2014 Chamber of Commerce and Industry of Western Australia (Inc) About CCI The Chamber

More information

Defence Housing Australia

Defence Housing Australia Defence Housing Australia Australian Government Competitive Neutrality Complaints Office Investigation No. 13 COMMONWEALTH OF AUSTRALIA 2008 ISBN 978 1 74037 251 0 This work is subject to copyright. Apart

More information

BRITISH COUNCIL DATA PROTECTION CODE FOR PARTNERS AND SUPPLIERS

BRITISH COUNCIL DATA PROTECTION CODE FOR PARTNERS AND SUPPLIERS BRITISH COUNCIL DATA PROTECTION CODE FOR PARTNERS AND SUPPLIERS Mat Wright www.britishcouncil.org CONTENTS Purpose of the code 1 Scope of the code 1 The British Council s data protection commitment and

More information

Water brokers and exchanges your fair trading obligations

Water brokers and exchanges your fair trading obligations Water brokers and exchanges your fair trading obligations Australian Competition and Consumer Commission 23 Marcus Clarke Street, Canberra, Australian Capital Territory, 2601 Commonwealth of Australia

More information

Government Owned Corporations. Guidelines for Joint Venture Agreements

Government Owned Corporations. Guidelines for Joint Venture Agreements Government Owned Corporations Guidelines for Joint Venture Agreements Version 2.1 The State of Queensland (Queensland Treasury and Trade) The Queensland Government supports and encourages the dissemination

More information

CAIRNS REGIONAL COUNCIL LEASING GUIDELINES

CAIRNS REGIONAL COUNCIL LEASING GUIDELINES CAIRNS REGIONAL COUNCIL NO.1:02:46 General Policy LEASING GUIDELINES Intent Scope To ensure that Council: (i) complies with the Leasing in the Queensland Public Sector Policy Guidelines, (revised December

More information

Accident Compensation Act

Accident Compensation Act Accident Compensation Act Changes to the Accident Compensation Act 1985 explained Edition No. 1 March 2010 Contents Introduction 1 Overview of changes 2 Key changes Workers entitlement to compensation

More information

Competition Policy Review. SUBMISSION by the OFFICE OF THE AUSTRALIAN SMALL BUSINESS COMMISSIONER

Competition Policy Review. SUBMISSION by the OFFICE OF THE AUSTRALIAN SMALL BUSINESS COMMISSIONER SUBMISSION by the OFFICE OF THE AUSTRALIAN SMALL BUSINESS COMMISSIONER JUNE 2014 We are writing to provide some observations on small business aspects of the competition policy review. Importance & challenges

More information

Public consultation paper

Public consultation paper Public consultation paper September 2013 Proposed expanded endorsement for scheduled medicines Draft Registration standard for endorsement of registered nurses and/or registered midwives to supply and

More information

Rural Financial Counselling Service Programme 2016 to 2019 Grant application assessment plan

Rural Financial Counselling Service Programme 2016 to 2019 Grant application assessment plan Rural Financial Counselling Service Programme 2016 to 2019 Grant application assessment plan SEPTEMBER 2015 i Commonwealth of Australia 2015 Ownership of intellectual property rights Unless otherwise noted,

More information

Response of Browne Jacobson LLP (Solicitors) Civil Law Reform Bill - CP53/09

Response of Browne Jacobson LLP (Solicitors) Civil Law Reform Bill - CP53/09 Response of Browne Jacobson LLP (Solicitors) - CP53/09 February 2010 Contents Contents... 2 Introduction... 3 Browne Jacobson LLP... 3 Interest in the Consultation... 3 The Response... 3 Summary... 4 Response

More information

Position paper workplace health and safety governance

Position paper workplace health and safety governance Institutional Business Position paper workplace health and safety governance Management of social, environmental and corporate governance risk is integral to the creation of long term and sustainable shareholder

More information

Mutual Recognition Schemes Issues Paper: Productivity Commission

Mutual Recognition Schemes Issues Paper: Productivity Commission Mutual Recognition Schemes Issues Paper: Productivity Commission Submission by: The PO Box 236 Civic Square ACT 2608 Telephone: 02 62300506 Email: mail@aaca.org.au February 2015 The (AACA), a not for profit

More information

General Protocol relating to the collaboration of the insurance supervisory authorities of the Member States of the European Union March 2008

General Protocol relating to the collaboration of the insurance supervisory authorities of the Member States of the European Union March 2008 CEIOPS-DOC-07/08 General Protocol relating to the collaboration of the insurance supervisory authorities of the Member States of the European Union March 2008 CEIOPS e.v. - Westhafenplatz 1 60327 Frankfurt

More information

Terms and Conditions of Offer and Contract (Works & Services) Conditions of Offer

Terms and Conditions of Offer and Contract (Works & Services) Conditions of Offer Conditions of Offer A1 The offer documents comprise the offer form, letter of invitation to offer (if any), these Conditions of Offer and Conditions of Contract (Works & Services), the Working with Queensland

More information

INSURANCE BROKERS CODE OF PRACTICE

INSURANCE BROKERS CODE OF PRACTICE INSURANCE BROKERS CODE OF PRACTICE INSURANCE BROKERS CODE OF PRACTICE OVERVIEW 4-5 IMPORTANT BACKGROUND INFORMATION What does the Code do for you? (Code Objectives) How to navigate the Code How up to date

More information

CHAPTER 14 ELECTRONIC COMMERCE

CHAPTER 14 ELECTRONIC COMMERCE CHAPTER 14 ELECTRONIC COMMERCE Article 14.1: Definitions For the purposes of this Chapter: computing facilities means computer servers and storage devices for processing or storing information for commercial

More information

GENERAL INSURANCE CODE OF PRACTICE. Level 3, 56 Pitt Street, Sydney NSW 2000 t 02 9253 5100 f 02 9253 5111 www.insurancecouncil.com.

GENERAL INSURANCE CODE OF PRACTICE. Level 3, 56 Pitt Street, Sydney NSW 2000 t 02 9253 5100 f 02 9253 5111 www.insurancecouncil.com. GENERAL INSURANCE CODE OF PRACTICE Level 3, 56 Pitt Street, Sydney NSW 2000 t 02 9253 5100 f 02 9253 5111 www.insurancecouncil.com.au FOREWORD The current Code of Practice was last revised in February

More information

The Chair Finance and Administration Committee Parliament House George Street BRISBANE QLD 4000. By email: fac@parliament.qld.gov.au.

The Chair Finance and Administration Committee Parliament House George Street BRISBANE QLD 4000. By email: fac@parliament.qld.gov.au. The Chair Finance and Administration Committee Parliament House George Street BRISBANE QLD 4000 By email: fac@parliament.qld.gov.au 3 September 2012 Dear Mr Michael Crandon MP, OPERATION OF QUEENSLAND'S

More information

Motor Accidents Compensation Amendment (Claims and Dispute Resolution) Act 2007 No 95

Motor Accidents Compensation Amendment (Claims and Dispute Resolution) Act 2007 No 95 New South Wales Motor Accidents Compensation Amendment (Claims and Dispute Contents Page 1 Name of Act 2 2 Commencement 2 3 Amendment of Motor Accidents Compensation Act 1999 No 41 2 4 Amendment of other

More information

National Injury Insurance Scheme: Motor Vehicle Accidents - Consultation Regulation Impact Statement

National Injury Insurance Scheme: Motor Vehicle Accidents - Consultation Regulation Impact Statement National Injury Insurance Scheme: Motor Vehicle Accidents - Consultation Regulation Impact Statement To: Leesa Croke The Treasury Langton Crescent Parkes ACT 2600 By Email: niisris@treasury.gov.au Date:

More information

E U R O P E A N E C O N O M I C A R E A

E U R O P E A N E C O N O M I C A R E A E U R O P E A N E C O N O M I C A R E A S T A N D I N G C O M M I T T E E O F T H E E F T A S T A T E S Distribution: EEA EFTA 20 March 2012 SUBCOMMITTEE I ON THE FREE MOVEMENT OF GOODS EEA EFTA Comment

More information

Freedom of Information Act 2000 (FOIA) Decision notice

Freedom of Information Act 2000 (FOIA) Decision notice Freedom of Information Act 2000 (FOIA) Decision notice Date: 18 January 2016 Public Authority: Address: Gambling Commission Victoria Square House Victoria Square Birmingham B2 4BP Decision (including any

More information

was acknowledged by employers, students and the Administrative Appeals tribunal as a training provider of quality.

was acknowledged by employers, students and the Administrative Appeals tribunal as a training provider of quality. About the Author is the owner of Argos Consulting, a private business which provides advice, recommendations and support for organisations and individuals requiring assistance in working with government

More information

Marsh Pty Ltd. Victorian Competition and Efficiency Commission. Following the Release of the Draft. Report July 2005

Marsh Pty Ltd. Victorian Competition and Efficiency Commission. Following the Release of the Draft. Report July 2005 Les Beattie Senior Account Executive Marsh Pty Ltd ABN 86 004 651 512 555 Lonsdale Street MELBOURNE VIC 3000 GPO Box 1229L MELBOURNE VIC 3001 0399362630 Fax 039670 8581 les.d.beattie@marsh.com www.marsh.com.au

More information

Paper in response to the issues raised in the Panel on Administration of Justice and Legal Services meeting on 26 April 2004

Paper in response to the issues raised in the Panel on Administration of Justice and Legal Services meeting on 26 April 2004 LC Paper No. CB(2)2582/03-04(01) Paper in response to the issues raised in the Panel on Administration of Justice and Legal Services meeting on 26 April 2004 Review of Professional Indemnity Scheme of

More information

COMPLIANCE FRAMEWORK AND REPORTING GUIDELINES

COMPLIANCE FRAMEWORK AND REPORTING GUIDELINES COMPLIANCE FRAMEWORK AND REPORTING GUIDELINES DRAFT FOR CONSULTATION June 2015 38 Cavenagh Street DARWIN NT 0800 Postal Address GPO Box 915 DARWIN NT 0801 Email: utilities.commission@nt.gov.au Website:

More information

COAG National Legal Profession Reform Discussion Paper: Professional Indemnity Insurance

COAG National Legal Profession Reform Discussion Paper: Professional Indemnity Insurance COAG National Legal Profession Reform Discussion Paper: Professional Indemnity Insurance Introduction Professional indemnity insurance is insurance that:... indemnifies professional people accountants,

More information

Submission by the Commonwealth Ombudsman

Submission by the Commonwealth Ombudsman Submission by the Commonwealth Ombudsman INQUIRY INTO NATIONAL REGISTRATION AND ACCREDITATION SCHEME FOR DOCTORS AND OTHER HEALTH WORKERS Submission to the Senate Community Affairs Committee by the Commonwealth

More information

RE: Default Superannuation Funds in Modern Awards, Productivity Commission Draft Report

RE: Default Superannuation Funds in Modern Awards, Productivity Commission Draft Report Default Superannuation Funds in Modern Awards Productivity Commission LB2 Collins Street East Melbourne Vic 8003 Email: default.super@pc.gov.au 03 August 2012 Dear Sir or Madam, RE: Default Superannuation

More information

Chapter 2. Description and history of home warranty insurance schemes

Chapter 2. Description and history of home warranty insurance schemes Chapter 2 Description and history of home warranty insurance schemes Description of home warranty insurance schemes 2.1 Home warranty insurance 1 covers the homeowner for non-completion and defects in

More information

Australia & New Zealand. Return to Work Monitor 2011/12. Heads of Workers Compensation Authorities

Australia & New Zealand. Return to Work Monitor 2011/12. Heads of Workers Compensation Authorities Australia & New Zealand Return to Work Monitor 2011/12 Prepared for Heads of Workers Compensation Authorities July 2012 SUITE 3, 101-103 QUEENS PDE PO BOX 441, CLIFTON HILL, VICTORIA 3068 PHONE +613 9482

More information

Regulations of the Audit and Compliance Committee of Gamesa Corporación Tecnológica, S.A.

Regulations of the Audit and Compliance Committee of Gamesa Corporación Tecnológica, S.A. Regulations of the Audit and Compliance Committee of Gamesa Corporación Tecnológica, S.A. (Consolidated text approved by the Board of Directors on March 24, 2015) INDEX CHAPTER I. INTRODUCTION... 3 Article

More information

This version of the General Insurance Code of Practice took effect on 1 July 2014.

This version of the General Insurance Code of Practice took effect on 1 July 2014. FOREWORD This version of the General Insurance Code of Practice took effect on 1 July 2014. The Board of the Insurance Council of Australia is pleased to support this significant revision of the General

More information

2014 General Insurance Code of Practice Preliminary transition tips a guide for Code Participants.

2014 General Insurance Code of Practice Preliminary transition tips a guide for Code Participants. 2014 General Insurance Code of Practice Preliminary transition tips a guide for Code Participants. FOS Code Compliance and Monitoring Team April 2014 Page 1 of 14 Contents 1 Why you should read this guide

More information

Procurement Capability Standards

Procurement Capability Standards IPAA PROFESSIONAL CAPABILITIES PROJECT Procurement Capability Standards Definition Professional Role Procurement is the process of acquiring goods and/or services. It can include: identifying a procurement

More information

Small business guide to trade practices compliance programs. April 2006

Small business guide to trade practices compliance programs. April 2006 Small business guide to trade practices compliance programs April 2006 Commonwealth of Australia 2006 ISBN 1 920702 93 8 This work is copyright. Apart from any use permitted under the Copyright Act 1968

More information

Group Procurement Policy. Policy Owner: Executive Director Finance and Resources

Group Procurement Policy. Policy Owner: Executive Director Finance and Resources Group Procurement Policy Policy Owner: Executive Director Finance and Resources 0 Control Date Policy level Regulatory / Strategic Policy Reference FR/001/2012 Link to Strategy Procurement Strategy Version

More information